basically you use it or you lose it. so buy up before the end of the year. >> you also advise patients to get those 90-day prescriptions filled. >> right. it's the same thing here, which is you get the prescription, if you get it filled today, it will be good for 90 days. you're coming up under the deductible and co-pay you already met. think about the things you don't need until spring but get it now when it doesn't cost you a thing. >> a lot of people wait until the last minute to see the doctor before the deductibles kick in again. >> the people you already had the opportunity to already pay for. the people like the dentist, certainly your pediatrician if you haven't had the well child check, mammogram. there are health maintenance programs that can help with cholesterol screening, smoking cessation. they're already paid for. might as well get it done. >> i know doctors get really backed up in december. but what's the best way to get an appointment? what's the best time to go? >> the best time to go is call right now.